SWJRX vs. VTI
Compare and contrast key facts about Schwab Monthly Income Fund - Moderate Payout (SWJRX) and Vanguard Total Stock Market ETF (VTI).
SWJRX is managed by Charles Schwab. It was launched on Mar 27, 2008. VTI is a passively managed fund by Vanguard that tracks the performance of the CRSP US Total Market Index. It was launched on Jun 27, 2016.
Performance
SWJRX vs. VTI - Performance Comparison
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SWJRX vs. VTI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWJRX Schwab Monthly Income Fund - Moderate Payout | 3.09% | 12.17% | 3.83% | 8.79% | -12.81% | 9.23% | 5.32% | 16.40% | -6.31% | 10.80% |
VTI Vanguard Total Stock Market ETF | -4.01% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Returns By Period
In the year-to-date period, SWJRX achieves a 3.09% return, which is significantly higher than VTI's -4.01% return. Over the past 10 years, SWJRX has underperformed VTI with an annualized return of 5.07%, while VTI has yielded a comparatively higher 13.60% annualized return.
SWJRX
- 1D
- 0.37%
- 1M
- -4.10%
- YTD
- 3.09%
- 6M
- 5.56%
- 1Y
- 11.26%
- 3Y*
- 8.50%
- 5Y*
- 4.04%
- 10Y*
- 5.07%
VTI
- 1D
- 2.93%
- 1M
- -5.00%
- YTD
- -4.01%
- 6M
- -1.66%
- 1Y
- 18.11%
- 3Y*
- 17.84%
- 5Y*
- 10.46%
- 10Y*
- 13.60%
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SWJRX vs. VTI - Expense Ratio Comparison
SWJRX has a 0.00% expense ratio, which is lower than VTI's 0.03% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
SWJRX vs. VTI — Risk / Return Rank
SWJRX
VTI
SWJRX vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Monthly Income Fund - Moderate Payout (SWJRX) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| SWJRX | VTI | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.58 | 0.96 | +0.62 |
Sortino ratioReturn per unit of downside risk | 2.17 | 1.48 | +0.69 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.23 | +0.09 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 1.52 | +0.32 |
Martin ratioReturn relative to average drawdown | 8.43 | 7.26 | +1.17 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| SWJRX | VTI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.58 | 0.96 | +0.62 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.47 | 0.60 | -0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.59 | 0.75 | -0.15 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.58 | 0.48 | +0.10 |
Correlation
The correlation between SWJRX and VTI is 0.84, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
SWJRX vs. VTI - Dividend Comparison
SWJRX's dividend yield for the trailing twelve months is around 4.31%, more than VTI's 1.17% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWJRX Schwab Monthly Income Fund - Moderate Payout | 4.31% | 4.78% | 4.94% | 4.80% | 8.67% | 3.62% | 2.49% | 5.36% | 3.47% | 2.93% | 6.05% | 6.80% |
VTI Vanguard Total Stock Market ETF | 1.17% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Drawdowns
SWJRX vs. VTI - Drawdown Comparison
The maximum SWJRX drawdown since its inception was -25.61%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for SWJRX and VTI.
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Drawdown Indicators
| SWJRX | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.61% | -55.45% | +29.84% |
Max Drawdown (1Y)Largest decline over 1 year | -6.32% | -12.30% | +5.98% |
Max Drawdown (5Y)Largest decline over 5 years | -20.87% | -25.36% | +4.49% |
Max Drawdown (10Y)Largest decline over 10 years | -20.87% | -35.00% | +14.13% |
Current DrawdownCurrent decline from peak | -4.10% | -6.25% | +2.15% |
Average DrawdownAverage peak-to-trough decline | -3.91% | -8.08% | +4.17% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.38% | 2.58% | -1.20% |
Volatility
SWJRX vs. VTI - Volatility Comparison
The current volatility for Schwab Monthly Income Fund - Moderate Payout (SWJRX) is 2.33%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 5.45%. This indicates that SWJRX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWJRX | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.33% | 5.45% | -3.12% |
Volatility (6M)Calculated over the trailing 6-month period | 4.09% | 9.73% | -5.64% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.32% | 19.01% | -11.69% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.71% | 17.42% | -8.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.57% | 18.29% | -9.72% |